COPPA Compliance

Identity verification via trusted and verified data sources in the United States specifically designed for COPPA compliance.

How does this service work?

Per FTC Safe Harbor Guidelines we must locate the target, determine they are not deceased, are "18+" and have provided an accurate SSN variable from the list below.

  • You must provide the target's SSN variable in one of three formats:

    • Full 9 SSN

    • Last 4 SSN

    • IDR Calc SSN

    IDR Calc is Veratad's patented process that allows the user to sum up at least two digits from their SSN to prove they know the variable without collecting sensitive PII. See IDR Calc section below for more details

This service can also be accessed in countries outside of the United States. Please contact your Veratad Professional Services Team Member for more details.

post
IDMatchCOPPA5.0

https://production.idresponse.com/process/comprehensive/gateway
Make an HTTPS POST request with the following body parameters to find out if the target has provided valid identity attributes. You will receive a synchronous response in 2-3 seconds with a result object that includes an action, detail and issues object.
Request
Response
Request
Body Parameters
user
required
string
Your account's API username
pass
required
string
Your account's API password
service
required
string
The service name (IDMatch5.0)
reference
optional
string
A unique identifier for your customer
target
required
object
The individual being sent for verification
fn
required
string
The target's first name
ln
required
object
The target's last name
addr
required
string
The target's street address (line 1 and line 2)
city
optional
string
the target's city
state
optional
string
The target's state
zip
required
string
The target's zip
dob
optional
string
The target's Date of Birth (YYYYMMDD format)
ssn
required
string
The target's SSN (either 4, 9 or IDR Calc) See IDR Calc section below for more details.
phone
optional
string
The target's phone number
email
optional
string
The target's email address
age
optional
string
The age to check (must be sent like "age+" i.e. "18+", "21+" etc.)
test_key
optional
string
The test key value that you are using to test
Response
200: OK
Transaction processed and result returned
{
"meta": {
"company": "Company ABC, Inc.",
"confirmation": "21201890",
"reference": "12345 {A UNIQUE ID}",
"service": "IDMatchCOPPA5.0",
"timestamp": "2020-08-08 17:56:14",
},
"result": {
"action": "REVIEW",
"detail": "TRANSACTION REQUIRES FURTHER ATTENTION",
"issues": [
"SSN CHECK FAILED"
]
}
}

Sample Request Body

{
"user": "USERNAME",
"pass": "PASSWORD",
"service": "IDMatchCOPPA5.0",
"reference": "12345 {A UNIQUE ID}",
"target":{
"fn":"Barbara",
"ln": "Miller",
"addr": "123 Main St",
"city": "Stratford",
"state": "CT",
"zip": "06614",
"dob": "19740821",
"ssn": "5698",
"age": "18+",
"test_key": "general_identity"
}
}

Action and Detail Responses

The following are all values that will be returned in the result object of the response.

Action

Detail

Description

FAIL

NO MATCH

No matching identity found in the data sources

FAIL

TARGET IS DECEASED

Target found as a deceased identity

FAIL

MINOR SUBMITTED

The target's submitted DOB is under 18

FAIL

TARGET IS UNDERAGE

We have found the target's DOB and it is under 18+

FAIL

POSSIBLE MINOR

There are multiple DOBs on file and we could not determine which links to the target and one of them is under 18+

FAIL

AGE NOT VERIFIED

There was no DOB on file for this individual so we were unable to verify their age

REVIEW

TRANSACTION REQUIRES FURTHER ATTENTION

Target found and not deceased, but at least one identity attribute provided does not match. For this service the only issue will be "SSN CHECK FAILED".

PASS

ALL CHECKS PASSED

Target was found, is not deceased and has passed all verification checks

Issues Responses

When a transaction returns as REVIEW then there will be a list of issues. This list can include any of the below values.

Issue

Description

SSN CHECK FAILED

The SSN provided does not match any on file

Rules

IDMatch+COPPA will process with the default base ruleset:

The base ruleset will return a PASS when:

  • A match is found

  • The target is not deceased

  • The target is 18+

  • The target has provided an accurate SSN value

The base ruleset will return a REVIEW when:

  • A match is found

  • The target is not deceased

  • The target is 18+

  • The target did not provide an accurate SSN value

The base ruleset will return a FAIL when:

  • A match is not found

  • The target is deceased

  • The target could not be confirmed as 18+

IDR Calc

IDR Calc is Veratad's patented process that allows the user to sum up at least two digits from their SSN to prove they know the variable without collecting sensitive PII. Here is an example request using IDR Calc.

{
"user": "USERNAME",
"pass": "PASSWORD",
"service": "IDMatchCOPPA5.0",
"reference": "12345 {A UNIQUE ID}",
"target":{
"fn":"Barbara",
"ln": "Miller",
"addr": "123 Main St",
"city": "Stratford",
"state": "CT",
"zip": "06614",
"dob": "19740821",
"dcalc_mask": "100000001", // use this attribute to set which question you asked
"dcalc_answer": "16", // use this attribute to populate the user's answer
"age": "18+",
"test_key": "general_identity"
}
}

Attribute

Description

dcalc_mask

Defines to the system what two digits you asked the customer to sum

Place a "1" in the positions of the summed values and "0" in the remaining positions

dcalc_answer

The value of the sum that the user entered

Service Testing

Use the test_key attribute to test the service. When the test_key is provided the system will dynamically drop the live data sources and use the testing database. To access test cases click the link below.